About the role

Branch Collection Manager

Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited) focuses on making financial access simpler and more meaningful for individuals, micro-entrepreneurs, and businesses across India. We rank among India's fastest-growing Upper Layer NBFCs, with an Assets Under Management (AUM) of around 390,000 crore. This growth reflects the trust of the people we serve and our commitment to meeting the financial needs of emerging India. By offering multiple financial solutions across a network of more than 517 branches, we serve over 5 million customers in 26 states, combining personal care for customers with Al-powered technology. In retail lending, we support emerging India with home loans, loans against property, used car loans, personal loans, digital loans, and small business loans, primarily in metro-adjacent, semi-urban, and rural areas. In wholesale lending, we partner with developers and mid-sized businesses, offering asset-backed, data-driven solutions across real estate and non-real estate sectors, focusing on mid-segment residential projects and capital solutions for mid-market corporates. With our digital-first approach and pan-India reach, we commit to being the lender of choice for semi-urban and rural India, driving inclusive growth and helping communities turn ambitions into progress. For more details, please click the below link:- www.piramalfinance.com

Business Unit:

Internal

Location:

Internal

Department:

Non Sales

Purpose of Job:

Piramal Finance, as a commitment to serve all lending needs of consumers of “Bharat” is hiring Branch Collection Manager. Incumbent will be responsible for managing the collection team within the assigned geography to achieve collection efficiency, control delinquency, and maintain portfolio quality while ensuring strict adherence to company policies, legal guidelines, and ethical collection practices.

Key Stakeholders:

Customers
Vendors
Legal representatives
Local Authorities
Banking Partners
Credit Team
Operations Team
Credit & Underwriting Team
Legal & Recovery Team

Reporting Structure:

Role directly reports to:

Area Manager - Collection

Essential Qualifications:

• Graduate/Post-Graduate in Finance, Commerce, or related field

Essential Experience:

4-6 years of experience in field collections within NBFC / Banking / BFSI.
Hands-on experience in handling assigned collection portfolio across current and overdue buckets.
Experience in achieving monthly collection and recovery targets.
Working knowledge of collection systems, mobile collection apps, and basic MIS updates.
Understanding of RBI guidelines and ethical collection practices.

Key Roles/Responsibilities:

Lead, mentor, and monitor a team of collection officers / field executives to achieve collection targets.
Allocate portfolios, set daily/monthly targets, and track individual and team productivity.
Drive collections across early, mid, and late delinquency buckets.
Ensure strict adherence to collection SOPs, RBI guidelines, and code of conduct.
Handle escalated and sensitive customer cases and support team negotiations.
Monitor agency performance and ensure compliance with company standards.

Core Competencies:

Strong leadership and team management skills.
In-depth knowledge of collection processes and legal recovery norms.
Negotiation, conflict resolution, and customer handling ability.
Analytical mindset with strong MIS and reporting skills.
High ethical standards and compliance orientation.
Result-driven with the ability to perform in high-pressure environments.

Key Performance Indicators:

Overall collection efficiency (%).
Delinquency and NPA reduction.
Fraud Detection Rate.
Case Closure Productivity.
Escalation Accuracy.
Resolution rate across buckets.
Compliance Adherence.
Agency performance and compliance scores.

Continued:

Conduct regular field visits, joint calls, and review meetings with the team.
Analyze delinquency trends and implement corrective and preventive actions.
Coordinate with Legal for recovery actions, notices, and escalations.
Ensure accurate MIS reporting, portfolio tracking, and audit readiness.
Maintain customer experience while ensuring strong recovery outcomes.

Branch Recovery Manager